Lenders › CBNA Year to Date › New Jersey
CBNA Year to Date in New Jersey
HMDA record for properties in New Jersey, calendar year 2024. National record · New Jersey overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
CBNA Year to Date's 2024 HMDA record for New Jersey covers 10,174 applications, 5,849 of them originated, worth $1.7bn.
Its denial rate in the state was 34.2%, above the New Jersey rate of 26.0% across all lenders and compared with the lender's national rate of 35.2%.
The median rate spread on its New Jersey originations was 0.6 percentage points (state median 0.4).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In New Jersey | New Jersey, all lenders | CBNA Year to Date, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.2% | 26.0% | 35.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.1% | 17.7% | 27.4% | 15.6% |
| Average originated loan | $294k | $387k | $272k | $329k |
| Home purchase share | 19.0% | 51.0% | 19.0% | 57.0% |
| FHA-insured share | 0.5% | 11.2% | 1.2% | 13.4% |
| VA-guaranteed share | 0.2% | 2.9% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Jersey, all lenders
Loan purpose and loan type in New Jersey
By purpose
Home purchase 19% (1,109)Home improvement 31% (1,820)Refinancing 22% (1,292)Cash-out refinancing 1% (76)Other purpose 27% (1,552)
By type
Conventional 99% (5,807)FHA 1% (30)VA 0% (12)
Denial reasons as coded
Share of 3,124 denials in New Jersey by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Jersey
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Monmouth County | 1,034 | 627 | $214m | 31.2% |
| Ocean County | 1,000 | 585 | $162m | 35.4% |
| Bergen County | 922 | 515 | $168m | 35.4% |
| Essex County | 877 | 473 | $172m | 36.9% |
| Middlesex County | 823 | 437 | $101m | 37.5% |
| Burlington County | 656 | 388 | $73m | 32.0% |
| Union County | 687 | 386 | $119m | 35.8% |
| Morris County | 576 | 352 | $100m | 29.7% |
| Mercer County | 544 | 337 | $82m | 31.0% |
| Camden County | 534 | 302 | $51m | 34.7% |
| Cape May County | 404 | 290 | $188m | 19.1% |
| Gloucester County | 343 | 209 | $34m | 30.0% |
| Somerset County | 338 | 201 | $58m | 33.3% |
| Atlantic County | 306 | 193 | $56m | 28.4% |
| Hudson County | 425 | 192 | $73m | 46.7% |
| Passaic County | 276 | 124 | $24m | 45.3% |
| Hunterdon County | 138 | 82 | $19m | 33.3% |
| Sussex County | 112 | 60 | $11m | 39.6% |
| Warren County | 84 | 47 | $7.6m | 37.3% |
| Salem County | 42 | 25 | $5.1m | 29.7% |
| Cumberland County | 53 | 24 | $3.4m | 52.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did CBNA Year to Date originate in New Jersey in 2024?
5,849 loans totalling $1.7bn, from 10,174 applications reported for properties in New Jersey.
What is CBNA Year to Date's denial rate in New Jersey?
34.2% of decided applications in New Jersey were denied, against 26.0% for all lenders in the state and 35.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New Jersey counties does CBNA Year to Date lend in most?
By originations: Monmouth County (627), Ocean County (585), Bergen County (515), Essex County (473), Middlesex County (437).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New Jersey. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.